Instant payment versus smartphone payment: The big fight?

The digitalization of our economy, with the spread of smartphones and of electronic commerce, entails a general acceleration of payments. On the one hand, new technologies lead to changes in customer habits, who make Internet purchases anywhere and at any time. Customers also expect to pay for and receive their purchases as fast as possible. Suppliers, on the other hand, wish to have the certainty to be paid as soon as they release their goods and services. The first solution proposed by banks was to use debit or credit banking card to pay the purchases on Internet using now a 3D secure architecture. This solution is widely implemented but seems to reach some limits in term of number of merchant connected and in term of number of frauds. New technologies stimulate innovation in payments, and contribute to the expectation for instant payments. In term of distant payment, instant payment could be a good solution to be substituted to the card payment.